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Apply Now
Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
Apply Now
Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Programs
Navigate all our programs and find the perfect loan for you.
Buy
Apply Now
Ready to start your home buying journey? Apply now and get pre-approved for your mortgage.
Purchase Rates
Know the rates, know your options. Start building your homeownership plan today.
Monthly Mortgage Calculator
Get a clear picture of your monthly mortgage payment using your rate, credit score, and down payment information.
Affordability Calculator
Not sure what fits your budget? This calculator factors in your income, debts, and down payment to help you find the right price range.
Refinance
Apply Now
Ready to lower your rate or tap into your equity? Apply now and start your refinance journey with confidence.
Refinance Rates
Rates can change fast. See today’s options and discover potential savings on your mortgage.
Refinance Mortgage Calculator
Wondering how refinancing will affect your monthly payments? See how much you can save.
Cash-Out Refinance Calculator
See how much equity you can tap into. Estimate your new mortgage payment and compare loan options.
Rates
Resources
Calculators
Free, interactive mortgage calculators that can help you along the journey toward your home ownership goals.
Blog
Learn more. Stress less. Our blog breaks down what you need to know to buy, refinance, or plan ahead.
FAQs
Check out our FAQs to learn more about Total Mortgage, mortgage lending, home refinancing, and more.
Loan Programs
Navigate all our programs and find the perfect loan for you.
Customers
About
Discover the Total Difference.

how it started
1997
When Total Mortgage was founded in 1997, no one knew what the industry would look like in five years, let alone 25. With the internet on the horizon, all we knew was that change was coming – and we needed to be ready.
Total Mortgage decided early on that there were a few things we could never compromise on – the first being our borrowers. They will always come first, regardless of the challenges we face.
how it's going
PRESENT DAY
Total Mortgage remains all about people – our borrowers, our loan officers, our back-office teams, and everyone in between. We’ve built a people-centric culture and an organization that’s second to none in providing support to anyone who needs it. We want every person who deals with us – whether they’re part of the team or a borrower – to not only succeed, but to grow and thrive as well.
How We Invest In You
Technology
Our technology suite features state-of-the-art applications determined and developed with our users.
Mortgage Automations, Workflows, Processes & Streamlining
Rate Reduction Opportunities
Predictive AI & Analytics
Birthdays & Loan Anniversaries
Real Time Customer Feedback
Recent Credit Inquiries
Mobile Pipeline Management
More about our technologyMarketing
An in-house marketing team with extensive offerings and a modern marketing platform.
Library of Marketing Materials
Social Media Consultations
In-House Design & Video
Short-Form Content Creation
Headshots
Learn About MarketingInnovative Process
We are proud of our exceptional process - a harmonious combination of technology and professional expertise.
TotalIQ (AI With A Personal Touch)
Accelerated Turn Times and Appraisal Review
Common Sense Underwriting
Unmatched Closing Process
Closing Begins At Approval
Quick Doc Review
Business Generation
We know how to help grow your business and your referral partners’ business!
Local SEO
Review Generation
Lead Generation
Database Activation
Build Referral Partners
Discover our Content Days
Top Workplaces Heart Connecticut Media Group (2020 - 2024)

Inc. Magazine Fastest Growing U.S. Companies (2009 - 2013)

The Warren Group CT Mortgage Lender Rankings By Purchase Volume (2020-2024)

Over 3,000 Five-Star Reviews On Zillow
We're on a mission to make loan processing breezy.

Total IQ
AI Powered with a Personal Touch
- Guaranteed Income Calculation at Pre-Approval
- Anticipate credit conditions prior to submission to underwriting
- Appraisal clearing and value acceptance with hours of receipt
- Clean commitments

Dynamic Processing
- Match-made loan officer - processor pairings based on preferences and personalities
- Customer-centric focus on loan officer, borrower and referral partners wants and needs

Sensible Underwriting
- Collaborative and accessible
- Specialized collateral tracks allow for underwriters to focus on the credit decision
- Direct, fully delegated lender for all conventional, government, renovation and jumbo products

Accelerated Turn Times
- Turn times are measured in hours, not days

Unmatched, Proactive Closing Strategy
- Dedicated closer assigned at initial credit decision
- Working in tandem with processing and underwriting departments to ensure seamless close
- Continuous communication with settlement agent throughout the life of loan
- Initial closing disclosure issued early - averaging 10.4 days prior to closing date
Let's Connect
We are always looking for great people to join our team. If you are looking for an opportunity to grow and be a part of something great, we would love to hear from you!
